Hang Seng enJoy Card
Last Updated: Sept 2022
$
150,000
Min. Annual Income
2
%
Local Spending - Cashback Rate
(Non-direct Cashback) Spend at the enJoy Card Designated Merchants: up to 2% Rebate; Spend at other merchants: 0.5% Rebate
0.5
%
Overseas Spending - Cashback Rate
on overseas spending
(Non-direct Cashback) Overseas Spending in Foreign Currencies: 0.5% Rebate
Exclusive Offer
from MoneyHero
OFFER 1
HK$500 Apple Store Gift Card/ Wellcome Shopping Voucher
  • From 18 July 06:00 p.m. to 30 September 06:00 p.m.2022, new and existing other Hang Seng Credit Card cardholders who successfully apply for Hang Seng enJoy Card via MoneyHero are entitled to HK$500 Apple Store Gift Card/ Wellcome Shopping Voucher.

Welcome Offers from Hang Seng Bank

OFFER 1
HK$1,400 worth of Designated Merchant e-Coupons and up to 80,000 yuu Points
Within 60 days from the date of new card issuance:
  • Link enJoy Card to yuu, earn HK$1,400 worth of Designated Merchant e-Coupons
  • Link enJoy Card to yuu and accumulate retail transactions of HK$100 or above at any “Earn Faster” Designated Merchants, earn 10,000 yuu Reward Points
  • Accumulate retail transactions of HK$4,000 or above at any “Earn Faster” Designated Merchants, earn up to 70,000 yuu Reward Points
  • Promotion period: from now till 31 December 2022
Need some help?
No worries, we've got you covered!

Thank you for using MoneyHero. If you are looking to check on your reward redemption status, then this is the right place. We have compiled our promotional campaigns and their respective rewards progress so that you can keep track of when you can expect yours. 

Please click on the campaign that you participated in, and you will find the corresponding redemption status. Campaigns are sorted chronologically, be sure to match the correct financial institution, reward, and period of the campaign.

MoneyHero has partnered with the most trusted banks and financial institutions in Hong Kong to help you find the right financial products for you. Through our comparison engine, you can compare credit cards, personal loans, mortgages, medical insurance, travel insurance, HK stock accounts, US stock accounts, payroll accounts and other financial products. We provide accurate, up-to-date information and an unbiased overview of financial products in Hong Kong so that you can make the best choice, saving your time and money.

Most Hong Kong credit card providers require applicants to be of legal age and a permanent resident/citizen of Hong Kong.

You would also need to have stable employment and meet minimum salary requirements, which vary according to the type of credit card.

The main types of credit cards in Hong Kong are VISA and MasterCard, followed by American Express and JCB.

In order to choose the best credit card, you can consider the popularity and offers of the card types, and also the reputation of banks, class of the credit cards, etc. Many people own several credit cards to meet different needs nowadays. Also, you can consider your spending habits and choose Cash Back Credit Cards, Airmiles Credit Cards, Dining Credit Cards, Online Shopping Credit Cards, Premium Credit Cards, Corporate Credit Cards, Entry Level / Student Credit Cards, UnionPay Credit Cards, or Welcome Offers Credit Cards. You can also make use of MoneyHero comparison pages, and compare latest offers of credit cards.

For exclusive offers from MoneyHero, current customers are unfortunately not eligible to enjoy. For welcome offer from banks or institutions, various terms and conditions apply, subject to different banks and institutions. You may refer to the following:

American Express 
Welcome offers do not apply to current customers. Their welcome offers only apply on applicants who have not held or cancelled American Express credit cards in the past 12 months.

Citibank 
Welcome offers do not apply to current customers. Their welcome offers only apply to applicants who have not held or cancelled Citibank credit cards in the past 12 months.

DBS 
Current and new customers are eligible for welcome offers. New customers refer to card holders who have not held or cancelled Citibank credit cards in the past 12 months. For more details of welcome offers, please click here.

PrimeCredit 
Welcome offers do not apply to current customers. Their welcome offers only apply to applicants who have not held or cancelled PrimeCredit credit cards in the past 6 months.

CITIC 
Welcome offers do not apply to current customers. Their welcome offers only apply to applicants who have not held or cancelled CITIC credit cards in the past 12 months.

HSBC 
Current and new customers are eligible for welcome offers. For more details of welcome offers, please click here

BEA 
Welcome offers do not apply to current customers. Their welcome offers only apply to applicants who have not held or cancelled BEA credit cards in the past 6 months.

Credit card rewards come in many forms, the two major incentives are air miles and cash back. Many card issuers have different credit card rewards programs, cardholders can earn reward points for their spending and redeem the points for cash backair milesgift vouchers or free gifts.

Certain banks promote cash back rewards which their credit cards can earn, cardholders can enjoy 1-4% cash rebate for eligible local / overseas spending or shopping online.

If you travel and use your credit card to book flights and hotels frequently, you can earn more air miles using air mile credit cards. You may redeem miles for award flights, hotel stays and other travel offers.

In addition to daily spending, you may also earn rewards by using the Octopus Automatic Add-value Service and paying utilities, tax, tuition and insurance bills with your credit card and redeem reward points, cash back and air miles.

Banks in Hong Kong such as HSBC, Hang Seng Bank and Standard Chartered Bank issue different types of credit cards with generous rewards and their eligibility requirements are also different. Hence, the processing time varies depending on the card issuer, but as soon as your application has been approved, it normally takes 7 to 10 working days until you receive your card. Make sure that you submit all the relevant documents so that your application can be processed as quickly as possible.

The requirements to get different credit cards may vary and some may even have a minimum income requirement. Of course, applicants with a proper job or have income proof are more likely to be successful with their application, but it does not mean that a self-employed or unemployed person will not able to apply for a credit card.

The annual fee, which is generally charged HK$200-HK$6,000, depends on the bank and the type of credit card. One- to three-year annual fee waiver is usually offered to attract users, and cardholders get their fee waived if they can meet the minimum spending. Some card issuers even advertise credit cards with no annual fee, so please be sure to check the terms before applying. You can request annual fee waiver by calling the card issuer's hotline. Furthermore, many banks charge an early termination fee of more than HK$100; other common fees and charges include replacement fee, late charge, over-limit fee, cash advance fee and foreign transaction fee. In addition to credit card welcome offers, you should also check with your provider to see the fees and charges of your credit card.

Banks look at your credit score and income to determine the maximum credit amount they would extend to you. If your application is approved, the credit limit a bank gives you may be lower or higher than what you indicated in your application. If your credit score is satisfactory, banks may give you the maximum credit limit. If you think your limit is too high, you can talk to your provider and ask them to reduce it. Know more about credit score by reading our credit card application guide.

There are many ways to pay credit card bills, the easiest way is to apply for the bank?s autopay service, which will automatically deduct the monthly payment from the bank account on the due date, so that you won't overlook the payment. Other methods that cardholders can choose to pay the bills include PPS, ATM, e-banking, cheque or convenience stores.

Making only the minimum payment is not the best way to pay the bills! If you just make the minimum payment on the credit card, the bank would charge you compound interest, which means you might owe more and more money and carry long-term debt. Cardholders are recommended to assess their repayment ability before using their credit cards, and pay off all outstanding debt as soon as possible.

In the past, most people think we should not own too many credit cards, as it might lead to over-consumption or missing payment. With the development of modern society and more credit card offers, many of us own several credit cards for various purposes, such as one for overseas spending, one for earning Asia Miles, and the other one for monthly instalments.

Please note that if you always pay your credit card bill after the due date while owning many credit cards, your credit score could drop, which is likely to affect your credit card, mortgage and loan application.

To protect yourself from credit card fraud, you should keep your credit card and personal information (including credit card numbers and security code) safe and never disclose your passwords or personal information to anyone. You should also keep record of all credit card transactions and check bank statements regularly. Report any suspicious transactions to your financial institution or bank immediately to avoid financial loss.

View all credit cards FAQ
Enjoy up to 2% Rebate at designated merchants; exclusive merchant discounts up to 12% off
Perpetual annual fee waiver
Annual Fee Waiver

Great for

  • MoneyHero Exclusive Offer - HK$500 Apple Store Gift Card/ Wellcome Shopping Voucher

    • From 18 July 06:00 p.m. to 30 September 06:00 p.m. 2022, new and existing other Hang Seng Credit Card cardholders who successfully apply for Hang Seng enJoy Card via MoneyHero are entitled to HK$500 Apple Store Gift Card/ Wellcome Shopping Voucher.
    • How to redeem MoneyHero exclusive offer?
      • Note down your application reference number for reference. You will be asked to upload all required documents when you apply the card to facilitate the approval process.
      • Within 7 days of receiving the form, complete the redemption form sent via email for verification and follow-up. MoneyHero will verify your reward eligibility with Hang Seng Bank.
    • Tips:
  • Welcome Offer - HK$1,400 worth of Designated Merchant e-Coupons and up to 80,000 yuu Points
    From now till 31 December 2022 (promotion period), enjoy HK$1,400 worth of Designated Merchant e-Coupons and up to 80,000 yuu Points (worth HK$400) upon successful application of Hang Seng enJoy Card:

    Requirements (Complete within 60 days from the date of new card issuance)   Offer  
    Link enJoy card to yuu HK$1,400 worth of Designated Merchants e-Coupons
    Link enJoy card to yuu and accumulate retails transactions of HK$100 or above at any "Earn Faster" Designated Merchants 10,000 yuu Reward Points
    Accumulate retail transactions of HK$4,000 or above at any "Earn Faster" Designated Merchants

    New Credit Card Customers:

    70,000 yuu Reward Points

    OR

    Existing Credit Card Customers:

    40,000 yuu Reward Points

  • Earn up to 2% rebate at 2000+ designated merchants
    Spend with the card at any designated merchants to earn up to 4X Reward Points (2% rebate). Reward Points can be spent as cash (200 Reward Points=HK$1), as well as redeeming e-coupons and gifts in yuu App

    Designated Merchants Rebate Upon Spending
    Pizza Hut, PHD, KFC, yuu to me, Maxim's Chinese Cuisine restaurants, designated m.a.x. concepts restaurants and outlets, Arome Bakery, Café Landmark, LUMI French-Japanese Cuisine, MUSES, Pop n' Grill, Wildfire Pizzabar, DONDONYA, Uo-Show and more 2% Rebate
    (4X Rewards: HK$1=4 yuu Reward Points)
    7-Eleven, Mannings, IKEA, Wellcome, Market Place and Designated Upscale Stores, yuu to me 1.5% Rebate
    (3X Rewards: HK$1=3 yuu Reward Points)
    Shell, GNC and Designated Maxim's restaurants 1% Rebate
    (2X Rewards: HK$1=2 yuu Reward Points)
    Other merchants (including local and overseas spending) 0.5% Rebate
    (HK$1=1 yuu Reward Point)
  • Enjoy designated merchants exclusive year-round discount offer up to 12% off

    • 7-Eleven: 5% off on the 8th and 18th of every month
    • IKEA: Free delivery upon home furniture and accessories order of HK$3,500 or above at stores on the 1st and 3rd Wednesday of every month (Excluding Outlying Islands and Macau)
    • Mannings: 6% off on the 1st and 20th of every month
    • Wellcome, Market Place by Jasons: 8% off on the 3rd, 13th & 23rd of every month upon a single net spending of HK$100 or above
    • Pizza Hut: 10% off dine-in/ takeaway à la carte menu items from Monday to Sunday (Except specific dates)
    • PHD: Enjoy 4pcs of Honey BBQ Wings upon takeaway purchase HK$150 from Monday to Sunday (Except specific days)
    • KFC: 5% off dine-in and takeaway orders (From Monday to Friday, except public holidays)

     

  • Get discount offers at renowned hotel restaurants, shops and leisure outlets

Need to know

  • If the customer has received the yuu reward points of the Welcome Gifts but subsequently cancels the card account within the first 13 months from the date of account opening, a handling fee of an equivalent amount with the value of the welcome gift received will be charged
  • “New Credit Card Customers” refer to applicants who are not currently holding and have never held the Principal Card of any Hang Seng Credit Card / Affinity Card / Spending Card during the 12 months immediately preceding the date of application; “Existing Credit Card Customers” refer to applicants who are currently holding and/or have ever held the Principal Card of any Hang Seng Credit Card / Affinity Card (excluding Spending Card and Private Label Card) during the 12 months immediately preceding the date of application. The Welcome Offers are not applicable to Principal Card customers who are currently holding and / or have ever held any enJoy Credit Card / Spending Card during the 12 months immediately preceding the date of application
  • The relevant Designated Merchants e-Coupons and yuu Reward Points will be credited to the Principal Card account of the Eligible Customer’s linked yuu Rewards Programme account and enJoy Card account respectively within 2 months after the Principal Card customer has fulfilled the requirements. The enJoy Card account should be valid and in good standing, and being linked to yuu Reward Programme when the Designated Merchants e-Coupons and yuu Reward Points are credited

Year-round rewards

CASH REBATE
Local Spending
2%
(Non-direct Cashback) Spend at the enJoy Card Designated Merchants: up to 2% Rebate; Spend at other merchants: 0.5% Rebate
Overseas Spending
0.5%
(Non-direct Cashback) Overseas Spending in Foreign Currencies: 0.5% Rebate
Online Shopping Spending (Overseas)
0.5%
(Non-direct Cashback) Spend at Other Merchants: 0.5% Rebate
Online Shopping Spending (Local)
0.5%
(Non-direct Cashback) Spend at Other Merchants: 0.5% Rebate
Dining Spending
2%
(Non-direct Cashback) Spend at the enJoy Card Designated Merchants: up to 2% Rebate; Spend at Other Merchants: 0.5% Rebate

Eligibility

Minimum Age
18 years old
Min. Annual Income
HK$150,000

Fees

Annual fee
Perpetual Annual Fee Waiver
Foreign Currency Transaction Fee
1.95%

Repayment

Minimum Payment
The Minimum Payment Amount is HK$300 or the sum of item (i) to (iv) below (whichever is higher):
(i) all fees and charges (including finance charges and annual fees);
(ii) any overdue Minimum Payment Amount;
(iii) amount exceeding the prescribed credit limit after deducting the amount of items (i) and (ii) from the New Balance; and
(iv) 1% of the New Balance after deducting the amount of item (i) to (iii).
Late payment charge
HK$300 or an amount equal to the Minimum Payment Amount (whichever is lower)
Retail Purchase APR
34.97%
Cash Advance APR
38.37%
Interest Free Repayment Period
56 days

Other information

Credit card type
Visa Platinum

Isn't the best product for you?

Compare more credit cards on MoneyHero